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KLARNA GROUP PLC (KLAR) Stock Fundamental Analysis

USA - New York Stock Exchange - NYSE:KLAR - GB00BMHVL512 - Common Stock

31.47 USD
+0.5 (+1.61%)
Last: 11/28/2025, 5:04:00 PM
31.42 USD
-0.05 (-0.16%)
After Hours: 11/28/2025, 5:04:00 PM
Fundamental Rating

3

KLAR gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 98 industry peers in the Financial Services industry. While KLAR seems to be doing ok healthwise, there are quite some concerns on its profitability. KLAR is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year KLAR was profitable.
KLAR had a positive operating cash flow in the past year.
KLAR Yearly Net Income VS EBIT VS OCF VS FCFKLAR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2022 2023 2024 0 500M -500M -1B

1.2 Ratios

KLAR's Return On Assets of 0.14% is on the low side compared to the rest of the industry. KLAR is outperformed by 72.45% of its industry peers.
KLAR has a worse Return On Equity (0.97%) than 71.43% of its industry peers.
Industry RankSector Rank
ROA 0.14%
ROE 0.97%
ROIC N/A
ROA(3y)-3.41%
ROA(5y)N/A
ROE(3y)-18.24%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
KLAR Yearly ROA, ROE, ROICKLAR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2022 2023 2024 0 -10 -20 -30 -40

1.3 Margins

Looking at the Profit Margin, with a value of 0.75%, KLAR is doing worse than 71.43% of the companies in the same industry.
KLAR does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 0.75%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
KLAR Yearly Profit, Operating, Gross MarginsKLAR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2022 2023 2024 0 -10 -20 -30 -40 -50

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5

2. Health

2.1 Basic Checks

KLAR does not have a ROIC to compare to the WACC, probably because it is not profitable.
KLAR has about the same amout of shares outstanding than it did 1 year ago.
KLAR has a worse debt/assets ratio than last year.
KLAR Yearly Shares OutstandingKLAR Yearly Shares OutstandingYearly Shares Outstanding 2022 2023 2024 100M 200M 300M
KLAR Yearly Total Debt VS Total AssetsKLAR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

Based on the Altman-Z score of 1.51, we must say that KLAR is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of KLAR (1.51) is better than 67.35% of its industry peers.
The Debt to FCF ratio of KLAR is 28.11, which is on the high side as it means it would take KLAR, 28.11 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 28.11, KLAR is not doing good in the industry: 60.20% of the companies in the same industry are doing better.
KLAR has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
KLAR has a Debt to Equity ratio of 0.25. This is in the better half of the industry: KLAR outperforms 61.22% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 28.11
Altman-Z 1.51
ROIC/WACCN/A
WACC9.15%
KLAR Yearly LT Debt VS Equity VS FCFKLAR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2022 2023 2024 500M 1B 1.5B 2B

2.3 Liquidity

A Current Ratio of 7.36 indicates that KLAR has no problem at all paying its short term obligations.
KLAR has a better Current ratio (7.36) than 94.90% of its industry peers.
A Quick Ratio of 7.36 indicates that KLAR has no problem at all paying its short term obligations.
KLAR's Quick ratio of 7.36 is amongst the best of the industry. KLAR outperforms 94.90% of its industry peers.
Industry RankSector Rank
Current Ratio 7.36
Quick Ratio 7.36
KLAR Yearly Current Assets VS Current LiabilitesKLAR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2022 2023 2024 2B 4B 6B 8B 10B

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 108.96% over the past year.
Looking at the last year, KLAR shows a very strong growth in Revenue. The Revenue has grown by 23.51%.
EPS 1Y (TTM)108.96%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-237.5%
Revenue 1Y (TTM)23.51%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%9.02%

3.2 Future

Based on estimates for the next years, KLAR will show a very strong growth in Earnings Per Share. The EPS will grow by 166.36% on average per year.
The Revenue is expected to grow by 25.09% on average over the next years. This is a very strong growth
EPS Next Y-1064.51%
EPS Next 2Y208.97%
EPS Next 3Y166.36%
EPS Next 5YN/A
Revenue Next Year26.04%
Revenue Next 2Y27.63%
Revenue Next 3Y25.09%
Revenue Next 5YN/A

3.3 Evolution

KLAR Yearly Revenue VS EstimatesKLAR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 2025 2026 2027 1B 2B 3B 4B 5B
KLAR Yearly EPS VS EstimatesKLAR Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 2027 0 0.5 -0.5 1

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1

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 524.50 indicates a quite expensive valuation of KLAR.
Compared to the rest of the industry, the Price/Earnings ratio of KLAR indicates a rather expensive valuation: KLAR more expensive than 81.63% of the companies listed in the same industry.
KLAR is valuated expensively when we compare the Price/Earnings ratio to 26.31, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 54.94, which means the current valuation is very expensive for KLAR.
Based on the Price/Forward Earnings ratio, KLAR is valued a bit more expensive than 77.55% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.59. KLAR is valued rather expensively when compared to this.
Industry RankSector Rank
PE 524.5
Fwd PE 54.94
KLAR Price Earnings VS Forward Price EarningsKLAR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 100 200 300 400 500

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, KLAR is valued a bit more expensive than 67.35% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, KLAR is valued a bit more expensive than 67.35% of the companies in the same industry.
Industry RankSector Rank
P/FCF 624.86
EV/EBITDA 128.31
KLAR Per share dataKLAR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

A more expensive valuation may be justified as KLAR's earnings are expected to grow with 166.36% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y208.97%
EPS Next 3Y166.36%

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0

5. Dividend

5.1 Amount

KLAR does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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KLARNA GROUP PLC

NYSE:KLAR (11/28/2025, 5:04:00 PM)

After market: 31.42 -0.05 (-0.16%)

31.47

+0.5 (+1.61%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners24.94%
Inst Owner ChangeN/A
Ins Owners14.76%
Ins Owner ChangeN/A
Market Cap11.87B
Revenue(TTM)2.81B
Net Income(TTM)21.00M
Analysts80.95
Price Target50.04 (59.01%)
Short Float %2.79%
Short Ratio3.79
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-7.43%
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)3.12%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.08%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 524.5
Fwd PE 54.94
P/S 4.22
P/FCF 624.86
P/OCF 624.86
P/B 5.47
P/tB 10.51
EV/EBITDA 128.31
EPS(TTM)0.06
EY0.19%
EPS(NY)0.57
Fwd EY1.82%
FCF(TTM)0.05
FCFY0.16%
OCF(TTM)0.05
OCFY0.16%
SpS7.45
BVpS5.75
TBVpS3
PEG (NY)N/A
PEG (5Y)N/A
Graham Number2.79
Profitability
Industry RankSector Rank
ROA 0.14%
ROE 0.97%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 0.75%
GM N/A
FCFM 0.68%
ROA(3y)-3.41%
ROA(5y)N/A
ROE(3y)-18.24%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.18
Health
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 28.11
Debt/EBITDA 8.48
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion 30.16%
Profit Quality 90.48%
Current Ratio 7.36
Quick Ratio 7.36
Altman-Z 1.51
F-ScoreN/A
WACC9.15%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)108.96%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-237.5%
EPS Next Y-1064.51%
EPS Next 2Y208.97%
EPS Next 3Y166.36%
EPS Next 5YN/A
Revenue 1Y (TTM)23.51%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%9.02%
Revenue Next Year26.04%
Revenue Next 2Y27.63%
Revenue Next 3Y25.09%
Revenue Next 5YN/A
EBIT growth 1Y63.64%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-27.35%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-27.35%
OCF growth 3YN/A
OCF growth 5YN/A

KLARNA GROUP PLC / KLAR FAQ

Can you provide the ChartMill fundamental rating for KLARNA GROUP PLC?

ChartMill assigns a fundamental rating of 3 / 10 to KLAR.


Can you provide the valuation status for KLARNA GROUP PLC?

ChartMill assigns a valuation rating of 1 / 10 to KLARNA GROUP PLC (KLAR). This can be considered as Overvalued.


How profitable is KLARNA GROUP PLC (KLAR) stock?

KLARNA GROUP PLC (KLAR) has a profitability rating of 1 / 10.


Can you provide the financial health for KLAR stock?

The financial health rating of KLARNA GROUP PLC (KLAR) is 5 / 10.